Wise is a global technology company, building the best way to move and manage the world’s money.
Min fees. Max ease. Full speed.

Whether people and businesses are sending money to another country, spending abroad, or making and receiving international payments, Wise is on a mission to make their lives easier and save them money.

As part of our team, you will be helping us create an entirely new network for the world's money.
For everyone, everywhere.

More about our mission and what we offer.

We're looking for a Group Credit Risk Lead to join our growing team and help us build a world-class credit risk management function. You'll play a crucial role in protecting Wise and our customers while enabling sustainable growth across our products globally.

Your Impact:

• You will be one of two leads owning Credit Risk and Counterparty Credit Risk management globally acting as the first line of defence and reporting to the Corporate Treasurer.

• Design, develop and enhance Credit Risk frameworks that support product innovation while maintaining robust risk controls

• Partner with Wise Platform team to assess credit risk implications of existing and new products, providing strategic advice and risk-based pricing recommendations

• Evaluate and monitor the creditworthiness of existing and potential partners/customers

• Analyze credit data and financial statements to determine credit limit and credit term to partners/customers that are in line with internal risk appetite

• Collaborate with second-line Risk and Prudential teams on regulatory requirements (ICAAP/ICARA/ILAAP), including harm assessments and residual risk identification

• Perform stress testing and scenario analysis to assess potential impacts on the portfolio

• Build and maintain relationships with banking partners through periodic reviews and risk assessments aligned with our credit risk policy

• Own and develop the global Credit Risk Policy framework

• Work cross-functionally with Payments and Treasury Operations teams to implement automated credit risk controls and monitoring systems

• Serve as the primary subject matter expert for credit risk considerations in new product expansions

• Provide regular reports and insights to senior management on credit risk exposure and trends

• Act as a trusted advisor to ALCO and Credit Risk Committee on credit risk decisions

• Extensive experience in credit risk management within financial services or fintech.

• Strong understanding of credit risk frameworks, policies, and regulatory requirements including the Basel regulatory framework

• Proven track record in developing and implementing risk models and controls

• Experience in working with regulatory requirements and governance frameworks

• Experience in IFRS 9 Expected Credit Loss modeling, Unexpected Credit Loss analysis, and Basel framework compliance.

• Good understanding of analytical tools like SQL, Python, or similar tools.

• Outstanding communication skills with ability to influence stakeholders at all levels

• Strong project management skills and ability to drive multiple initiatives simultaneously

• Adaptable mindset with ability to thrive in a fast-paced environment

For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive.

We're proud to have a truly international team, and we celebrate our differences.
Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers.

If you want to find out more about what it's like to work at Wise visit Wise.Jobs.

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